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Options to make your business days more productive.

Save yourself time and trouble with the eServices options offered by your hometown bank.

Commercial Online Banking

Charlotte State Bank & Trust offers a money management power tool to conveniently and flexibly manage your business’s cash flow utilizing transfers and payments on line.  Learn more.

Mobile Banking

Stay Connected. Stay Informed. Take your account with you everywhere you go.

Mobile phones help us to stay connected, your business relies upon them. With Charlotte State Bank & Trust's FREE1 Mobile Banking you can do your business banking conveniently while on the go. It gives you instant connectivity to your accounts right at your fingertips.  More information.

For tips on how to protect the security of your mobile device, click here.


MobiMoney … an exciting new app that puts your smart phone and your account debit cards together to deliver the ability to manage your Charlotte State Bank & Trust VISA ® Check Card in the palm of your hand.

This powerful new app empowers you to:

  • Receive instant notice when your card is used
  • Turn your card on or off
  • Limit the use of your card based on location or merchant
  • Place spending limits on the account

…and much more!

It’s easy to get started. Simply download the MobiMoney app from the App Store or Google Play, enter the pertinent information, activate your card and start taking advantage of its beneficial services.

Want to learn more? Review our Frequently Asked Questions guide or give us a call. We’re here to help.

Business Express Deposit

The time you used to spend making trips to the bank, you can use to focus on your business.  With remote deposit you can scan checks from your desk to deposit them into your account - anytime - day or night.

How does Business Express Deposit work?

You can continue to accept check payments from your customers.  Using our Business Express Deposit service and a scanner provided by Charlotte State Bank & Trust, you can scan and transmit those checks along with an electronic deposit slip securely over the internet to us.  We pick up your Business Express Deposit and process the checks accordingly.  (Receive same day credit if the deposit is transmitted by 4:00 p.m. on any bank business day.)  It's just that simple!


  • No more copying checks, manual deposit slips or standing in line.  Just scan and submit
  • Retrieve online check copies, reports and other information fast and easy.
  • Transmit check images along with an electronic deposit slip to us 24-hours a day, seven days a week. 

Simple and Efficient

  • Complete your check deposit in five minutes without ever leaving your business.
  • Improve check processing efficiency with fewer errors and free up staff for other tasks.
  • Automated verification of image quality.
  • Upload processed payment information to your accounts receivable system

Safe and Secure

  • All deposit information is securely transmitted using the banking industry's highest standards of encryption such as multiple layers of security including password protection, internet firewalls and 128-bit encryption. 

Consolidate funds from remote locations

  • Check deposits can easily be made from any remote office or storefront.
  • Simplify account reconciliation by consolidating your banking accounts at Charlotte State Bank & Trust

 Customizable System Access

  • Application is customizable to suit your needs.
  • Ability to set individual access rights for multiple users.

For more information, click here.